My advice ignore Rishi Sunak wanting you to work until you drop ( unless you really love what you are doing) and give up work as soon as you can , I really really enjoy not going to work, never been bored, but, it's not cheap to retire, but, we don't go for the high life .If you are not in a rush then I would take a slow drive avoiding the tolls as they are extremely expensive. I can understand why you don't take the boat as if it were not for us being short on time then there is no way I would go that route. Maybe one day when work is done